Overview
Workers' compensation insurance provides wage replacement and medical benefits to employees injured on the job, while protecting the business from related lawsuits. Most states require it as soon as you hire your first employee.
Key Details
What You Should Know
Medical Benefits
Pays for doctor visits, hospital stays, surgeries, prescriptions, and rehabilitation related to a work-related injury or illness.
Wage Replacement
Provides a portion of lost wages while the employee is unable to work due to a covered injury.
Disability & Death Benefits
Pays benefits for permanent disability, and provides financial support to dependents if a work-related injury results in death.
Employer Liability
Protects your business from lawsuits arising from workplace injuries that fall outside the workers' comp exclusive remedy.
Official Resources
